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Understanding inactivity fees

Read what counts as inactivity and how any charge is assessed before assuming a dormant account is free.

Educational guideSeptember 2026

Read the trigger carefully

An inactivity fee is a contractual charge some providers apply after defined conditions are met. The relevant condition might concern trading, login activity or another measure, and those are not equivalent. Read the definition, qualifying period, charge frequency and affected balance. A service should not be assumed to waive such a charge because you receive newsletters, retain an open position or check an unrelated mobile notification.

Keep evidence of activity and notices

Save the applicable fee schedule, account activity records and any notice announcing a change. If a charge appears, compare its date and description with the stated trigger before asking for an explanation. Avoid creating unnecessary trades simply to satisfy a rule you have not understood. FYLU has not confirmed whether an inactivity fee will apply to any future live service; its preview does not create a chargeable financial account.

General information, not a personal recommendation. Product availability, rights, and obligations are determined by the relevant provider, jurisdiction, and approved agreements.

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